I looked in yellow pages and found a licenced insolvency practioner (nancollasgreer). They spent an hour with me going through all the options and they didn't charge me a penny! they made some suggestions and some example letters that i have followed and i think that i am back on track with my debts. They told me that insolvency practitioners are qualified and regulated - unlike debt counsellors. It's great to feel in control again and to be able to sleep

Also check this out before you speak to CCCS:

www.myvesta.org.uk/articles/artilces/4031//Is-CCCS-UK-Giving-Best-Advice-to-Consumers-or-Acting-as-a-Debt-Collector/Page1.html

Good Luck